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Code of Fair Treatment for Customers


Code of Fair Treatment for Customers



Sharjah Islamic Bank is committed to providing you with excellent customer service and fair treatment. This Code of Fair Treatment outlines SIB’s  commitment to you and the principles  followed in our interactions with you.


Ethical Culture and Values: SIB promotes an ethical culture and values all our interactions and relationships with customers based on fairness, honesty, and integrity.


Positive Relationships: SIB aims to build positive relationships with the  customers based on mutual respect, trust, and understanding.


Product and Services Design: SIB designs and offers our products and services in a responsible and transparent manner that meets your needs and aligns with your financial goals and circumstances.


Transparency: SIB is transparent in all our dealings with customers and provides clear & concise information about our products and services, including any fees and charges.


Education and Awareness:  SIB educates and provides  awareness programs to inform customers about the  products and services, as well as credit management, debt management, and financial planning. This is to empower customers to make informed decisions about their financial future.


Data Privacy & ConfidentialitySIB is committed to maintaining the confidentiality and safeguarding of our customers' personal information and assets.  SIB respects and protects the privacy of this information in accordance with relevant data protection laws and regulations.


Complaints Management: SIB has an effective complaints management process to handle customer complaints promptly and fairly.


Service Standards:  SIB is committed to providing high-quality services to the  customers. SIB sets service standards and monitors our performance to ensure that we meet or exceed these standards.


Errors and Omissions: SIB takes responsibility for any errors or omissions that may occur in our dealings with customers. We promptly rectify any mistakes and take measures to prevent them from recurring.


Distressed Customers: SIB provides assistance and support to customers who are experiencing financial difficulties. SIB works with them to find suitable solutions to their problems and provides them with the necessary resources and support to overcome their difficulties.


Assistance for People of Determination: SIB provides due care and necessary assistance to people of determination to facilitate their interactions with us. This includes ensuring accessibility and accommodating their needs as necessary.


Inclusion of vulnerable group: SIB is dedicated to supporting vulnerable groups by offering accessible and affordable financial services and providing specialized support. SIB actively promotes financial inclusion by identifying and addressing any obstacles to accessing financial services. SIB ultimate aim is to help individuals achieve financial stability and enhance their overall well-being.


SIB aims to provide the customers with a positive banking experience and ensures fair treatment for all our customers.

If you have any questions or feedback on our Code of Fair Treatment, please do not hesitate to contact us.




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